I recently pulled online credit reports from Myfico (the TU one, $13 with FICO score), and Experian ($9). As I compared them with the last reports I pulled, over a year ago, and with a report I had ordered by mail from TU, what struck me was how much information was being left out of the recent ronline eports: Whereas the earlier reports included all inquiry information, promotional, account review, even my own, the new "consumer friendly" reports included none of this, only hard inquiries from applying for credit. They were basically padded with boilerplate explanations, leaving out raw information. Apparently, it is not possible from these reports to determine if someone has been pulling your report, either claiming to be you, or coding the inquiry as an account review, nor are promotional inquiries shown. These are NOT complete disclosures to the consumer, as per FCRA Sec. 609. What are others seeing in recent credit reports pulled via online sites? Who is providing complete information, including for all inquiries, as per FCRA Sec. 609, or are the CRAs just claiming that an online report is a different "product", and somehow not a consumer request for their credit file information? How far back does payment history go for the different CRA credit reports?
Did you order the Transunion report and score, which is the report only you can see? Or did you order the TU report with the real FICO score, which is the one lenders can see, so therefore it won't include softs and promos?
I ordered the myfico TU with score. I also ordered the Experian without their PLUS score from the Experian site, and it shows no PRM or AR inquiries.
that's the "report lenders see", so it won't show Ar's and PRMs. Probably the same is true for Experian.
If you get the report from any 3rd party, its a 'lender' report. In order to get the consumer report, you need to order it directly from the CRA itself, that's the only way to get the complete report. Now, if only a site would do a tri-merge of the UNRESTRICTED credit reports, now that would be worth the price of admission...
